Payactiv vs UKG Wallet

With Payactiv, access your hard earned wages before payday, pay bills on time avoiding late and overdraft fees, and handle unexpected expenses with our user-friendly digital tools. Payactiv provides you with the foundation to maintain financial stability and equips you with the necessary tools to help you reach your financial wellness goals and thrive—without payday loans or interest. Just your money at your fingertips. With Payactiv, you can expect: 1. Earlier access to your money: - Enjoy your paycheck up to 2 days early.1 - Receive government payments up to 4 days early.1 - Gain immediate access to earned wages.2 2. Spending and saving tools to achieve your financial goals: - Always stay informed about what's safe to spend. - Easily track your spending habits at a glance. - Receive low balance alerts. - Set up automatic transfers from earned wages. 3. The Payactiv Visa® Card*: A card designed without hidden fees: - No minimum balance requirements. - No overdrafts. - No monthly or inactivity fees. - Access surcharge-free withdrawals at 37,000+ MoneyPass® ATMs. - Enjoy free integrated bill pay. - Withdraw cash at tellers in participating banks. - Send and receive funds to other enrolled members with no transfer fees. 4. Convenience and security you can rely on: - Seamlessly use the card with Google Pay or Apple Wallet. - Utilize touchless payments at stores. - Benefit from Visa's Zero Liability protection.3 - Easily lock or replace lost or stolen cards. - Access 24/7/365 support in English and Spanish. *Central Bank of Kansas City does not administer, nor is liable for earned wage access. The Payactiv Visa Prepaid Card is issued by Central Bank of Kansas City, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Certain fees, terms, and conditions are associated with the approval, maintenance, and use of the Card. You should consult your Cardholder Agreement and the Fee Schedule at payactiv.com/card411. If you have questions regarding the Card or such fees, terms, and conditions, you can contact us toll free at 1 (877) 747-5862, 24 hours a day, 7 days a week. 1 Many (but not all) employers, government benefits providers, and other originators send direct deposits early with an effective date of 1-4 days later. Beginning with your second direct deposit of at least $5 from the same source, the Central Bank of Kansas City (CBKC) will post the funds to your Payactiv Visa Prepaid Card when we receive it, rather than on the effective date. This may result in your having access to the funds sooner. The date CBKC receives your direct deposit and the effective date are controlled by the originator. 2 Earned Wage Access requires employer participation. 3 Visa’s Zero Liability Policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use. Contact your issuer for more detail.

Count on UKG Wallet™ being there for you to give you access to your earned wages before payday. Pay bills, stay ahead of fees, and handle the unexpected — with the greatest of digital ease. Powered by Payactiv, Wallet gives you the foundation to keep your finances on track and the tools you need to stay financially fit on your life-work journey. With Wallet, you’ll get: Faster access to your money • Up to 2 days early deposit of your paycheck2 • Up to 4 days early deposit of government payments2 • Immediate access to wages earned today3 Easy, free, instant mobile payments • Receive and send funds to other members • Send funds by phone number • Money is available immediately SmartSpend and SmartSave to stay on track with your goals • Always know what’s safe to spend • Track your spending habits at a glance • Low balance alerts • Auto transfer from earned wages3 Banking without the hidden fees • No minimum balance requirements • No overdrafts • No monthly or inactivity fees • Surcharge-free withdrawals at 37,000+ MoneyPass® ATMs • Free integrated bill pay • Cash withdrawal at tellers in participating banks Convenience and security you can count on • Use the card with Apple Wallet • Touchless payments at stores • FDIC insured • Protected by Visa’s Zero Liability protection • Lock or replace lost or stolen cards • 24/7/365 support in English and Spanish Please note, UKG Wallet is only available to authorized customers of UKG. ----- 1The Wallet Visa® Prepaid Card is issued by Central Bank of Kansas City, Member FDIC, pursuant to a license from/by Visa U.S.A., Inc. Certain fees, terms, and conditions are associated with the approval, maintenance, and use of the Card. You should consult your Cardholder Agreement and the fee schedule at payactiv.com/card411. If you have any questions regarding the Card or such fees, terms, and conditions, you can contact us toll-free 24/7/365 at 1 (877) 747-5862. 2 Many (but not all) employers, government benefits providers, and other originators send direct deposits early with an effective date of 1-4 days later. Beginning with your second direct deposit of at least $5 from the same source, the Central Bank of Kansas City (CBKC) will post the funds to your Wallet Visa Prepaid Card when we receive it, rather than on the effective date. This may result in your having access to the funds sooner. The date CBKC receives your direct deposit and the effective date are controlled by the originator. 3 Earned Wage Access requires employer participation.